Buying your first home is an exciting milestone, but it can also feel overwhelming without the right preparation and guidance. Across Kelowna and the Okanagan Valley, first-time buyers often dive into the housing market, but they may have questions about financing, budgeting, and mortgage approvals. At Rampone-Marsh Mortgages, we understand how stressful the mortgage process…
Preparing for a mortgage is an important step in the home-buying journey, and having the right information ahead of time can help make the process feel much less overwhelming. Across Kelowna and the Okanagan Valley, many families, first-time buyers, and homeowners come to Rampone-Marsh to learn more about their mortgage options while planning for their…
Summer in Kelowna is one of the busiest and most exciting times of year for the city. Throughout July and August, residents and visitors enjoy outdoor concerts, festivals, farmers’ markets, lake activities, and community events that bring energy and excitement to the city all season long. At Rampone-Marsh Mortgages, we always enjoy seeing visitors, homeowners,…
Whether you’re dreaming of a vacation home or considering a rental property as an investment, financing these types of properties in British Columbia works a little differently than buying a primary residence. At Rampone-Marsh Mortgages, we help Kelowna and Okanagan Valley clients understand their options before they make a move—so there are no surprises along…
If you’ve been researching mortgages in British Columbia, you may have come across the Mortgage Services Act (MSA), a new provincial framework set to take effect on October 13, 2026. At Rampone-Marsh Mortgages, we believe it’s important that our clients understand not just what’s changing, but why it matters to you as a homebuyer or…
If you’re buying a home in Kelowna, or anywhere in British Columbia, you already know how overwhelming it can feel. Between rising home prices, changing interest rates, and strict lending rules, it’s easy to feel unsure about where to start with obtaining a mortgage. That’s where working with a mortgage broker can make a real…
If you have a lot of equity and don’t have a lot of debt, then qualifying may not be an issue; subject to the usual tests around creditworthiness, income stability and earnings. If your situation is not ideal, it doesn’t mean you can’t refinance. Fortunately, as mortgage professionals, we have access to a variety of…
In 2025, many Canadian homeowners are looking for ways to reduce the income tax they owe and have more money for day-to-day expenses — the Smith Manoeuvre remains one of the most powerful strategies available. At Rampone-Marsh Mortgages, we help Kelowna homeowners understand and implement this approach to potentially turn their mortgage into a long-term…
At Rampone-Marsh Mortgages, we specialize in helping people from all walks of life achieve their dreams of property ownership — including newcomers to Canada. Whether you’ve settled in BC with a new job, and are building a life for your family or investing in property, buying a home or a business is a major milestone.…
Your property has untapped potential—and with Kelowna’s updated 2025 bylaws, now is a great time to turn that potential into profit. At Rampone-Marsh Mortgages, we help homeowners finance strategic upgrades that not only add living space but also build lasting equity tailored to your long-term goals. Need a Mortgage For A Legal Secondary Suite or…
When it comes to setting up a mortgage, Canadian homeowners always ask us: Should I go fixed or variable?
If your mortgage is up for renewal in 2025, you’re not alone—and you’re likely feeling the pressure. With higher interest rates and rising living costs, many homeowners in Kelowna and across the Okanagan are wondering how to manage increasing monthly payments. At Rampone-Marsh Mortgages, we’re here to guide you through this financial transition with smart…
